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Professional Development
PLATINUM PLUS NEW INTAKES OCTOBER 2019
50 questions
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- 1. Multiple Choice
To login to GAPS platform customers needs ALL of the following EXCEPT
Username
Access code
password and token
Answer to secret question
- 2. Multiple Choice
Internet banking is to ______________________________ customers as GAPS is to ____________________________ customers.
Individual, Corporate.
Personal and sole proprietors
corporate and personal
personal and multiple.
- 3. Multiple Choice
What are the three (3) conditions for recall of transfers to other banks?
On best effort basis,
Subject to availability of funds in the beneficiary’s account
At the discretion of the other bank/consent of beneficiary.
When the customer was a good customer of the bank.
- 4. Multiple Choice
How will a FIRST TIME USER ACTIVATE a token on internet banking?
By calling GTConnect to help him to activate it.
By typing the code generated from the token immediately he gets the token from the branch.
By typing all the numbers at the back of the token without the hyphen on the page requesting it.
By informing the teller at the branch to assist him to do it.
- 5. Multiple Choice
GAPS lite mean
Internet banking for corporate (sole proprietor) customers on a mobile app.
Internet banking for corporate accessible via the web.
Mobile banking app for personal customers.
Internet banking for business men
- 6. Multiple Choice
What happens if customer enters wrong User ID or Password for the Fifth time?
His access will be blocked.
He will need to write GTConnect to lift restriction on his account.
He will get another opportunity to try again.
He will not be able to use the account again and should open another account.
- 7. Multiple Choice
When agents are about to send login details to customer for internet banking profiling, agents should do the following EXCEPT
Agent needs to probes customers to confirm why customer is requesting for login details and also confirm if customer is a first time or old user.
Agent should confirm the platform the customer is attempting to login on and if customer has active naira MasterCard to authenticate either the app or the device.
Agent needs to inform customer that he or she needs to setup secret question and answer if logging in for the first time and that that he/she will get a prompt to change password from default to her desired password.
Agents will also tell customer that the account must not have any form of restriction and also inform him/her all the services he/she can see on the platform.
- 8. Multiple Choice
On what site are customers required to login to their INTERNET BANKING platform?
www.gtbank.com
www.zip.gtbank.com
www.aflek/gtbank.com/login
www.e-banklogin.gtbank.com
- 9. Multiple Choice
What does error message invalid response mean?
It means the user ID is incorrect.
It means either the user ID or password is incorrect.
It means the answer to their secret questions is incorrect.
It means customer has a restriction on his account.
- 10. Multiple Choice
What does Switch off/switch on used for?
To place restriction on customer's account.
To deactivate or activate your access to your account through any of our online channels i.e. Mobile banking, GTWorld, Internet banking, 737, cards or All channels.
To lift restriction placed on the account by E-Fraud.
To enable you access your account remotely on another device.
- 11. Multiple Choice
When customers do secret question retrieval what will be sent and where will it be sent to?
Only customer's secret question, sent to their email address registered on their account.
Customer's secret question and answer, sent to their email address and phone number registered on their account.
Customer's answer to secret question, sent to their phone number registered on their account.
Customer's mother's maiden name, sent to their phone number registered on their account.
- 12. Multiple Choice
In the event that customer complained someone logged into her internet banking platform (UNAUTHORIZED ACCESS) and initiated a transfer of N23,000 to another GTBank account. How would you treat this issue?
Inform customer to report to the appropriate law enforcement agencies.
Restrict the account, escalate to E-Fraud, suggest that customer escalate to the appropriate regulatory authority and inform customer to CHANGE HER INTERNET BANKING PASSWORD, SECRET QUESTION AND ANSWER AND PASSWORD TO PERSONAL EMAIL.
Tell customer to complain to his account officer.
Advise customer to be careful next time and escalate to E-Fraud.
- 13. Multiple Choice
In the event of BUSINESS GONE BAD, as a customer service representative, what are you expected to do?
Advise customer to be careful next time and escalate to E-Fraud.
Escalate to E-Fraudteam, then inform customer to liaise with Law Enforcement Agencies.
Tell customer to complain to his account officer.
Escalate to the customer's branch
- 14. Multiple Choice
What time frame would you give the sender of ERRONEOUS TRANSFER for funds to be REVERSED from beneficiary's account?
24 hours
48 hours
72 hours
No time frame
- 15. Multiple Choice
The two (2) major things that customers REQUIRE (NEED) to start 737 banking are________ and _______
Bank Account and phone number.
Current and Savings account
Debit and Credit card
Naira MasterCard and phone number
- 16. Multiple Choice
Is there option to select which account you want debited for 737 transaction?
Yes
No
- 17. Multiple Choice
What is the USSD string for BVN linking?
*737*20*BVN#
*737*50*BVN#
*737*30*BVN#
*737*10*BVN#
- 18. Multiple Choice
What is the string for GTRescue?
*737*3*amount#
*737*1*amount*account number#
*737*1*account number#
*737*3*amount*account number#
- 19. Multiple Choice
When will the 11 digit code sent for GTRescue expire if not used?
After 24 hours.
It lasts for 6 hours.
After 48 hours.
1 week
- 20. Multiple Choice
What is the string for creating 737 PIN?
*737*3#
*737*5#
*737*7#
*737*9#
- 21. Multiple Choice
How many types of PIN do we have on 737 string?
2
5
7
9
- 22. Multiple Choice
What two ways of 737 PIN creation do we have? (multiple option)
Create PIN with NO DEBIT CARD
Create PIN with ACTIVE DEBIT CARD
Use internet banking PIN
Use hardware token
- 23. Multiple Choice
What is the weekly limit for 737 transaction done with No Debit card PIN creation?
N5,000
N10,000
N20,000
N50,000
- 24. Multiple Choice
What is the full meaning of OTP?
One Time Password
One True Password.
Only Time Password.
Only True Password.
- 25. Multiple Choice
How long does the USSD OTP last?
1 minute.
10 minutes.
60 minutes.
24 hours
- 26. Multiple Choice
When using BO report, it is advisable to __________________ and _________________ to spool transactions.
Backdate and Postdate.
present date and future date
double click and double click
Backdate and double click
- 27. Multiple Choice
The two (2) major things that customers REQUIRE (NEED) to start 737 banking are________ and _______
Bank Account and phone number.
Current and Savings account
Debit and Credit card
Naira MasterCard and phone number
- 28. Multiple Choice
What does HIERARCHY mean in 737 transaction?
The number of account that customer has.
Number of phone numbers that customer has.
The order of account arrangement debited for 737 transactions.
Number of phone numbers that customer can use if the first number is not available.
- 29. Multiple Choice
What three (3) account types are not debited for 737 transactions? (multiple option)
Domiciliary accounts.
Corporate accounts.
joint accounts.
GTCrea8 account.
- 30. Multiple Choice
You can initiate USSD transfer to another customer’s email and phone number on what condition?
On the condition that customer has called GTConnect before the transaction is carried out.
On the condition that the beneficiary has given us his consent.
On the condition that the customer’s account is not dormant.
On the condition that the detail are already linked to the customer’s account.
- 31. Multiple Choice
What is the full meaning of CVV?
Customer Value Verification
Card Verification Value
Card Value Verification
Cross Value Verification
- 32. Multiple Choice
What is the full meaning of card PAN?
Posting Account Number
Previous Account Numeric
Primary Account Number
Posting Account Numeric
- 33. Multiple Choice
What is the full meaning of DCC?
Drastic Currency Conversion.
Drastic Converting Currency.
Dynamite Currency Converting.
Dynamic Currency Conversion.
- 34. Multiple Choice
What is the full meaning of STAN?
System Trace Audit Number.
Systematic Transaction Audit Number.
Systemic Transaction Authentication Number.
Systematic Trace Audit Number.
- 35. Multiple Choice
Customer inquired for the validity of his Dollar Credit MasterCard, he was informed_________
1 year.
2 years.
3 years.
It does not expire
- 36. Multiple Choice
For RENEWAL CARD customer must still activate the card with the retained PIN on the terminal at any branch of GTBank.
True
False
- 37. Multiple Choice
The cost of World MasterCard is ____
$500.
N525 (VAT inclusive).
N1,000 + 5% VAT.
N1,000 issuance fee and $20 annual maintenance fee.
- 38. Multiple Choice
The cost of GTCRea8 and Instant card is now____
N725 card.
N1,000 +5% VAT.
N525 (VAT inclusive).
Free.
- 39. Multiple Choice
What is the daily ATM withdrawal limit for dollar card?
$1,000
$5,000
$10,000
No limit
- 40. Multiple Choice
If Adeyemi had funded his CREDIT card around 11:55am same day, when will funds be available?
Anytime from 6:00pm same day.
Immediately.
6:00pm next working day.
6:00pm on Saturday.
- 41. Multiple Choice
What is the pricing for Salary Advance?
28% p.a. (2.33% per month), 1% management fee and 1% commitment fee.
21% p.a. (1.75% per month), 1% management fee and 1% commitment fee.
21% p.a. (1.75% per month)
28% p.a. (2.33% per month)
- 42. Multiple Choice
The following are the features of/conditions for accessing salary advance EXCEPT
Applicants must have received salaries from the same employer through GTBank in the last three months.
It has 30 days tenor.
Domiciliation of monthly salaries.
Customer can only get 33.3% of their salary
- 43. Multiple Choice
Who do you escalate to when a Non Salary Earner is NOT eligible for Quick Credit NSE loan?
We do not escalate as it is at the discretion of the bank.
Escalate to Retail Loans
Escalate to Account officer
Escalate to Customer's branch
- 44. Multiple Choice
What is the main difference between Quick credit and Salary Advance?
In Salary Advance, customer can only get 50% of their salary and the tenor is for 30 days but Quick credit allows customer access more than he earns and the repayment tenor is spread over 12 months max.
Quick credit allows customers get up to 50% of their salary and the tenor is for 30 days but Salary Advance allows customer access more than he earns and the repayment tenor is spread over 12 months max.
Both are the same
The only difference is that customer must have earned his salary with the same employer within the last 12 months.
- 45. Multiple Choice
Differentiate between Time loan and Term loan?
Time loan you can pay between 0 to 12 months while Term loan ranges from one year and above.
Term loan you can pay between 0 to 12 months while Time loan ranges from one year and above.
The two terms are the same and can be used interchangeably. There is no difference between the two.
The difference is that one is used for Quick Credit customers while the other is used for Salary Advance customers.
- 46. Multiple Choice
Give 3 examples of time loan
Quick credit
salary advance
fashion credit
GTMortgage
- 47. Multiple Choice
Give 2 examples of Term loan
GT Auto
GT Mortgage
School Fees Advance
MaxAdvance/MaxPlus
- 48. Multiple Choice
List three (3) out of the four (4) types of regulatory ID cards required by the bank.
Int’l passport
drivers’ license
NIMC National ID
Departmental/School ID card
- 49. Multiple Choice
What is the reason why restriction is placed on a tier 1 accounts?
The account may have received more than N50,000 single transaction or N300,000 cumulative balance.
The account may have received more than N30,000 single transaction or N100,000 cumulative balance.
The account may have received more than N100,000 single transaction or N500,000 cumulative balance.
The account may have received more than N500,000 single transaction or N1,000,000 cumulative balance.
- 50. Multiple Choice
What is the reason why restriction is placed on a tier 2 accounts?
The account may have received more than N50,000 single transaction or N300,000 cumulative balance.
The account may have received more than N100,000 single transaction or N500,000 cumulative balance.
The account may have received more than N30,000 single transaction or N300,000 cumulative balance.
The account may have received more than N500,000 single transaction or N1,000,000 cumulative balance
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